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Mobile E-Wallet

We have successfully built and launched several mobile e-wallet systems such as a unique payroll product, which combines, a stored value wallet, pre-paid Master card integration, and the ability to purchase goods and services on the device and a proprietary vouchering system built by us to provide a mechanism to securely store and distribute pre-paid services.

Kite Systems began working with our client in 2009 by assisting with the enhancement of their Java/Oracle based American Clearing House (ACH) system. This system went on to be a pivotal role in the growth of our client and laid the foundation for our client outsourcing much of its ongoing development and support to Kite Systems. Since then Kite's dedicated team of developers, system engineers, QA specialists, business analysts and project managers have designed and built a broad spectrum of payment solutions. Furthermore Kite's team of security specialists has ensured that Transact24 has maintained its status as a PCI DSS level 1 compliant payment processor for over 4 years.

Our client’s system solution is a unique payroll product, which combines, a stored value wallet, pre-paid Master card integration, and the ability to purchase goods and services on the device. This can all be done using a wide range of mobile platforms including the cheapest phones available using USSD/SMS, or with modern smartphones.

Our client’s system solution is also connected to a proprietary vouchering system built by Kite's developers to provide a mechanism to securely store and distribute pre-paid services.

Other purchases are offered through direct integration with providers, allowing wallet users to top up Kingo accounts and purchase international airtime as a form of remittance. Direct payments to merchants and shops are also facilitated through the inclusion of reference codes.

Wallet users can also top-up their wallets through bank deposits and transfers as well as send and receive money to and from other wallet users accounts. This essentially creates a full mobile banking system capable of supporting the unbanked population's financial needs.

The platform is built to scale to 100s of thousands of users and its core utilizes a multi currency enterprise grade ACID based transactional processing system built in house to ensure transactional resilience. The platform is built using a combination of Java/Spring, Oracle and Python/Django.

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